Capital Home Mortgage Colorado

Colorado Home Loans
Home Purchase
Save Today
Have Questions?

Colorado Mortgage Lender

Home Loans in Colorado

Welcome to Capital Home Mortgage Colorado, where our goal is to provide Colorado Home Loans to Colorado homebuyers and homeowners with low rates and fees while providing exceptional service. First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is why Capital Home Mortgage Colorado provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress-free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.

As a direct Colorado Mortgage Lender, Capital Home Mortgage Colorado controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  This control means from application to funding we make every decision.

Capital Home Mortgage Colorado is a full-service Colorado Mortgage Lender that offers a wide range of mortgage products as well as competitive Colorado Mortgage Rates.  Whether you are a first-time purchaser seeking a Colorado FHA Home Loan, looking for a rural property and needing a Colorado USDA Home Loan, a Native Coloradan wanting to use the HUD 184  Colorado Native American Home Loan, an active or retired veteran in need of an Colorado VA Home Loan, or a seasoned buyer in need of a Colorado Conventional Home Loan, we are here to assist.    

Call today (303) 226-1177 to speak with our Colorado Loan Officers.

The state of Colorado is located in the Western United States Mountain West area and is known for its diverse geography, including the Rocky Mountains, high plains, plateaus, and desert lands. The state is often referred to as the “Centennial State” and is known for its stunning mountainous landscapes. Colorado has a diverse and thriving economy with sectors such as technology, aerospace, agriculture, tourism, and energy.  Denver is a major financial and business hub in the region as well as the capital.  The state is home to several universities and colleges, including the University of Colorado.

Colorado is renowned for its outdoor recreational opportunities. It is a popular destination for skiing, hiking, biking, and other outdoor activities. Colorado is home to several national parks and monuments, including Rocky Mountain National Park, Mesa Verde National Park, and Great Sand Dunes National Park.

Colorado, especially in the Denver metro area, has experienced a strong demand for housing, leading to increased home prices.  The market has been characterized by a competitive environment with multiple offers on properties.  Colorado has seen significant population growth, which has contributed to the demand for housing.  Cities like Denver and its surrounding areas have attracted a considerable number of new residents.

The real estate market has faced challenges related to low housing inventory, which can lead to a seller’s market. The limited housing supply has driven up prices in certain areas. The choice between urban and suburban living has been a factor for homebuyers, influenced by factors such as commute times, lifestyle preferences, and work-from-home trends.

Thank you again for allowing us to help you with your Colorado Home Loan.

Colorado Home Loans

Colorado Conventional Home Loans

Colorado Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Colorado FHA Home Loans

Colorado FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Colorado FHA home loan is consistent employment history and documented income.

Colorado VA Home Loans

Colorado VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Colorado.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Colorado USDA Home Loans

Colorado USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Colorado Jumbo Home Loans

A Colorado Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Colorado Non QM Home Loans

Colorado Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Colorado Native american Home Loans

A Colorado Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Colorado Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Colorado One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Colorado One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Colorado HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Colorado Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Colorado Mortgage Programs

Colorado Home Purchase loans

Looking to Purchase a Colorado Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Colorado Renovation Home Loans

Looking to Rehab a Colorado Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Colorado FHA Home loans

Great 1st Time Colorado Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Colorado va Home Loans

100% Financing for Colorado Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Colorado Conventional Home loans

Flexibility for Colorado Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Colorado Jumbo Home Loans

Non-Conforming Colorado Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Colorado USDA Home loans

100% Colorado Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Colorado Native american Home Loans

Colorado Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Colorado Manufactured Home loans

Great Colorado Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Colorado Reverse Mortgage Loans

Your Colorado Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Colorado Non QM Home loans

Making Colorado Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Colorado One Time Close Home Loans

Build Your Colorado Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Colorado Refinance Mortgage loans

Colorado Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Colorado Cashout Mortgage Loans

Colorado Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

colorado Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

Colorado Mortgage Company Reviews

Colorado Cities

Denver Home Loans

Colorado Springs Home Loans

Aurora Home Loans

Fort Collins Home Loans

Pueblo Home Loans

Boulder Home Loans

State Specific Mortgage Information
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Accessibility Toolbar